TOD AGENCY
ActiveFrom the official registers: KBO 9 annual accounts at the National Bank publications in the Belgian Official Gazette
Summary
TOD AGENCY has been active since 2016 and the Belgian Official Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €101,209 and a net result of -€5,828. Equity is growing by about 11% per year across the filed financial years. Its solvency ranks better than 81% of 25,567 sector peers (NACE 47, financial year 2024). The computed 12-month bankruptcy probability is 1.4% (low).
Overview
Official details
KBO- Status
- Active since 25-02-2016 Normal situation
- Legal form
- Private limited company
- Registered office
- Rue Dandois 124, 6043 Charleroi
- Activity
- Retail sale of clothing and accessories for women, men, children and babies (general range) NACE 47716and 1 other
- Establishment unit
- 2.250.969.429 6200 Châtelet, since 25-02-2016
- Financial year end
- 31 December
- Peppol
- Reachable since 12-01-2026
Who decides
Board
- BUCCI LilianaDirector · since 22-12-2023
- TODESCHI PhilippeDirector · since 22-12-2023
How it is doing
- Bankruptcy probabilitywithin 12 months
- 1.4%
Annual accounts 2024
- Gross margin
- €2,950
- ▼ 93.3%
- Turnover
- ≈ €34,000
- estimated
- Loss
- €5,828
- Equity
- €101,209
- ▼ 5.4%
- Total assets
- €144,127
- ▲ 0.2%
2025 accounts not filed, 93 days past the deadline
Filed on 22-08-2025PDF
Why 56raises riskCapped at 59: a confirmed filing findingFigures for financial year 2024 (filed 26-08-2025)Loss of €5,828 (financial year 2024)lowers riskLiquidity: current ratio 5.87, cash €39,675Equity €101,209 (70.2% of total assets)Show the evidence
Checked score
Score 2024
56
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 54% of its sector peers (NACE 47, micro)
A confirmed filing finding caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick = 2023
Strong
Solvency
95-4
equity 70.2% of total assets
Liquidity
81-1
short-term debt 16.0% · cash 27.5%
Profitability
14-70
return on assets -4.0%
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 0.5%
12-2024: 0.5%● unchanged vs 11-2024
01-2025: 0.5%● unchanged vs 12-2024
02-2025: 0.5%● unchanged vs 01-2025
03-2025: 0.5%● unchanged vs 02-2025
04-2025: 0.5%● unchanged vs 03-2025
05-2025: 0.3%▼ -0.2 percentage points vs 04-2025
06-2025: 0.3%● unchanged vs 05-2025
07-2025: 0.3%● unchanged vs 06-2025
08-2025: 0.6%▲ +0.3 percentage points vs 07-2025
09-2025: 0.3%▼ -0.3 percentage points vs 08-2025
10-2025: 0.3%● unchanged vs 09-2025
11-2025: 0.3%● unchanged vs 10-2025
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.3%● unchanged vs 12-2025lowest value
02-2026: 0.3%● unchanged vs 01-2026lowest value
03-2026: 0.3%● unchanged vs 02-2026lowest value
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.6%▲ +0.3 percentage points vs 07-2026
09-2026: 0.8%▲ +0.2 percentage points vs 08-2026
10-2026: 1.4%▲ +0.6 percentage points vs 09-2026highest value
Credit of up to €5,000 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance
Liquidity ample (current ratio 5.87, compared with 3.6 in 2023, above the usual 1.5; short-term debt: 16% and cash: 27.5% of total assets), and 29.8% of the assets are financed with debt and provisions.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro): better than 81% on solvency, 85% on liquidity, 19% on profitability and 30% on growth.
The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Six signals.
lowers riskraises risk
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 93 days later.
NBB · 9 filingsPosition against the passed deadline
31-12-2025 year end31-07-2026 deadline01-11-2026 today
raises risk · 2024 accounts filed 22 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-08-2025, 22 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 9 filingsDeviation from the deadline
2025
not filed
2024
22 days late
2023
30 days late
2022
23 days late
2021
31 days late
2020
31 days late
2019
28 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 28 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.
Searched, nothing found (1)
Key points
- Positive: Among the best 20% on solvencysector median 32.2% · 25,567 companies 70.2% View
Documents
Annual accounts at the NBB
- Annual accounts 2024filed on 22-08-2025
- Annual accounts 2023filed on 30-08-2024
- Annual accounts 2022filed on 23-08-2023
- Annual accounts 2021filed on 31-08-2022
Acts in the Belgian Official Gazette
- Amendment of the articles · Legal-form change · Resignations & appointmentsact of 17-01-2024
- Registered officeact of 20-04-2023
Articles and registers
- Coordinated articles of associationnotaries' database
- Entry in the KBO registerKBO Public Search
Key facts about TOD AGENCY
- What is the company number of TOD AGENCY?
- 0649.404.310. In Belgium the VAT number is the company number with BE in front: BE 0649.404.310.
- Where is TOD AGENCY based?
- The registered office is at Rue Dandois 124, 6043 Charleroi.Company details
- What does TOD AGENCY do?
- According to the KBO register, the main activity is retail sale of clothing and accessories for women, men, children and babies (general range) (NACE 47716).
- What is the legal form of TOD AGENCY?
- Private limited company (BV).
- When was TOD AGENCY founded?
- On 25-02-2016.
- Is TOD AGENCY still active?
- Yes, TOD AGENCY is an active enterprise in the KBO register.
- What is the turnover of TOD AGENCY?
- ≈ €34,000 in financial year 2024. Estimated from the gross margin of €2,950: probably between €12,000 and €69,000, based on 40 comparable companies, NACE 47716. A rough estimate.Financials
- Is TOD AGENCY profitable?
- In financial year 2024, TOD AGENCY made a loss of €5,828.
- Where can I find the annual accounts of TOD AGENCY?
- TOD AGENCY filed 9 annual accounts with the National Bank of Belgium, the latest for financial year 2024.Annual accounts 2024 (PDF)
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